REM vs SPMB

AREM

BSPMB

Measures won1–5SPMB wins · of 6 · 5Y

$10,000 · 5Y$12,090SGOV · VCIT $10,493

Lowest cost0.03%VCIT · $3 on $10k

Most income11.52%REM · $1,152 on $10k

Smallest drop0.0%SGOV · worst fall in 1Y

Held in common[…]REM and SPMB

REM

SPMB

iShares Mortgage Real Estate ETF · $442MState Street SPDR Portfolio Mortgage Backed Bond ETF · $7.0B

+3.6%3 years · per year$11,111 · $11,894+6.0%

−6.2%5 years · per year$7,245 · $10,159+0.3%

0.48%Expense ratio$48 · $4 on $10k · lower wins0.04%

11.52%12-mo yield$1,152 · $425 on $10k4.25%

−26.3%Worst dropSmaller wins−5.6%

19.0%VolatilityLower wins4.7%

1–5SPMB wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsREM · SPMB

They share no top holdings, or holdings aren’t on file […]

Held in common[…]

End-of-day Nov 6, 2026 · $10,000 5 years ago, dividends reinvested · ● winner of the row · each row scaled to the bigger of the two

All Four

5Y4 funds

#
1	SGOV	iShares 0-3 Month Treasury Bond ETFRead Desk	0.09%	3.63%	0.0%	+3.2%	+3.8%	+4.5%	+3.9%	0.0%	$116.9B
2	VCIT	Vanguard Intermediate-Term Corporate Bond ETFRead Desk	0.03%	5.02%	−0.1%	−0.8%	+0.4%	+6.9%	+1.0%	−4.9%	$66.6B
3	BSPMB	State Street SPDR Portfolio Mortgage Backed Bond ETFRead Desk	0.04%	4.25%	−0.1%	+0.1%	+1.0%	+6.0%	+0.3%	−5.6%	$7.0B
4	AREM	iShares Mortgage Real Estate ETFRead Desk	0.48%	11.52%	−1.7%	−18.0%	−15.1%	+3.6%	−6.2%	−26.3%	$442M

End-of-day Nov 6, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

All Four

5Y4 funds

#
1	SGOV	iShares 0-3 Month Treasury Bond ETFRead Desk	0.09%	3.63%	0.0%	+3.2%	+3.8%	+4.5%	+3.9%	0.0%	$116.9B
2	VCIT	Vanguard Intermediate-Term Corporate Bond ETFRead Desk	0.03%	5.02%	−0.1%	−0.8%	+0.4%	+6.9%	+1.0%	−4.9%	$66.6B
3	BSPMB	State Street SPDR Portfolio Mortgage Backed Bond ETFRead Desk	0.04%	4.25%	−0.1%	+0.1%	+1.0%	+6.0%	+0.3%	−5.6%	$7.0B
4	AREM	iShares Mortgage Real Estate ETFRead Desk	0.48%	11.52%	−1.7%	−18.0%	−15.1%	+3.6%	−6.2%	−26.3%	$442M

End-of-day Nov 6, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

Cards for this view

REM vs SPMB

REM

iShares Mortgage Real Estate

$7,245

SPMB

SPDR Portfolio Mortgage Backed Bond

$10,159

MeasureREMSPMB

Fee0.48%0.04%

Cost on $10k a year$48$4

Yield11.52%4.25%

5 years, per year−6.2%+0.3%

3 years, per year+3.6%+6.0%

Worst drop · 1Y−26.3%−5.6%

Volatility · 1Y19.0%4.7%

5–1measures won
SPMB first

Nov 6, 2026 · $10,000 five years ago, dividends reinvested

SGOV vs BIL

YTD

iSharesSGOV

+3.2%

BILSPDR

+3.1%

+3.2%Year to date+3.1%

3.6%Yield3.7%

$117BAssets$48.4B

1–1level

End-of-day Nov 6, 2026

SCHD vs VIG

YTD

SchwabSCHD

+31.4%

VIGVanguard

+12.1%

+31.4%Year to date+12.1%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 6, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+3.2%

JEPIJ.P. Morgan

+5.3%

+3.2%Year to date+5.3%

12.8%Yield8.1%

$42.6BAssets$46.8B

1–1level

End-of-day Nov 6, 2026

Overlap: REM, SPMB, SGOV, VCIT

Today

[…]holdings […]

REMSPMBSGOVVCIT

REM—[…][…][…]

SPMB[…]—[…][…]

SGOV[…][…]—[…]

VCIT[…][…][…]—

End-of-day Nov 6, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$1,104most kept, REM

REM$1,152 − $48 = $1,104

VCIT$502 − $3 = $499

SPMB$425 − $4 = $421

SGOV$363 − $9 = $354

KeptFee

End-of-day Nov 6, 2026 · yield in dollars minus the fee